1. Information We Collect

We may collect the following categories of information:

• Identity information (full name, national ID number, date of birth, photo)
• Contact information (phone number, email address, physical address)
• Financial information (loan applications, repayment history, bank or mobile money details, income and business information)
• Account credentials and authentication data
• Usage data (device information, IP address, and how you interact with the Service)

2. How We Use Your Information

We use the information we collect to:

• Process loan applications and manage your account
• Verify your identity and assess creditworthiness
• Process repayments and send account notifications
• Improve and secure the Service
• Comply with legal and regulatory obligations

3. How We Share Your Information

We do not sell your personal information. We may share your information with credit reference bureaus, regulators, and service providers (such as payment processors and communication providers) strictly to the extent necessary to operate the Service and comply with applicable law.

4. Data Security

We implement reasonable administrative, technical, and physical safeguards — including encryption, access controls, and multi-factor authentication — designed to protect your information from unauthorized access, loss, or misuse. No method of transmission or storage is completely secure, and we cannot guarantee absolute security.

5. Data Retention

We retain your personal information for as long as necessary to provide the Service, comply with our legal obligations, resolve disputes, and enforce our agreements.

6. Your Rights

Depending on applicable law, you may have the right to access, correct, or request deletion of your personal information. To exercise these rights, please contact us using the details below.

7. Changes to This Policy

We may update this Privacy Policy from time to time. We will notify you of material changes by posting the updated policy on this page with a revised "Last updated" date.

8. Contact Us

If you have any questions about this Privacy Policy or how we handle your information, please contact us at or by phone at +256 700 000 000.